As you have probably noticed, there are many firms advertising
on television and radio offering bankruptcy representation. Some of
these firms have a long history of practicing in the area and have
excellent knowledge of the workings of these cases. Others are
adding bankruptcy as a practice area because with the hard-hit
economy, it can be replacement revenue for the revenue lost in the
areas in which these firms have historically practiced.

How are you supposed to know the difference between the attorney
who has a legitimate history of practicing bankruptcy and who
doesn't? Here are a few tips for choosing the representation that
best meets your needs:

• First and foremost, when you make an appointment, it should be
with a licensed attorney, not a paralegal or legal assistant. If
the attorney will not answer your questions over the phone, don't
be upset. Bankruptcy attorneys are held to strict standards and
have rules to follow under federal law, some of which may prohibit
an attorney from giving you legal advice without providing certain
written disclosures.

• Don't be afraid to ask questions. Ask the attorney how long they
have been handling bankruptcy cases and how long the firm has been
handling bankruptcy cases. Ask the attorney what percentage of
their caseload is bankruptcy. If you get the sense that most of
their practice is in other areas or they don't have much experience
that may mean they do not have the expertise you will need.

• The attorney should allow you time to explain your situation, ask
you questions regarding the details of your financial history and
answer your questions. As a general rule, you should not feel more
stress after you meet with the attorney for the first time. You may
receive a lot of information that is difficult to digest right
away, but you should have a clear understanding as to your options
and what the next step is in your plan.

• Think about whether you feel comfortable with the attorney you
have met and whether you trust him or her. Remember, this person
will be helping you through what can be a very stressful time in
your life. Do you feel that they understand and care about your
situation? Did you have a good experience with the staff at the
office? You will also be working with the secretary and legal
assistant in the office during your bankruptcy, so it is important
that your contact with them is a positive experience - not a
negative one.

The bottom line is that the attorney spending the most money on
advertising isn't always the attorney with the most expertise. The
only way to know who is the best match for you is to meet the
attorney in person and consider it an interview. When you decide to
file bankruptcy, it is a serious decision that can have major
implications. If you are not represented by an experienced
bankruptcy attorney, you may not be aware of some important issues
that can arise and how to avoid problems. The best way to protect
yourself is to choose an attorney with experience who is willing to
take the time to give you the guidance you are looking for.

Denise K. Aguilar is an experienced bankruptcy attorney in
Ahwatukee Foothills. Reach her at (480) 455-1881. Additional
information is available at www.aguilarlawonline.com.